Call reports 2015
FIRST NATIONAL BANK OF CARMI, THE — 2015
What FIRST NATIONAL BANK OF CARMI, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 404,178,000 | 409,567,000 | 399,103,000 | 404,185,000 |
| Total loans | 265,102,000 | 271,341,000 | 266,361,000 | 266,185,000 |
| Allowance for loan losses | 3,220,000 | 3,255,000 | 3,289,000 | 3,294,000 |
| Securities available for sale | 53,020,000 | 54,010,000 | 52,348,000 | 61,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,403,000 | 372,155,000 | 361,686,000 | 367,613,000 |
| Interest-bearing deposits | 338,847,000 | 344,109,000 | 333,249,000 | 330,780,000 |
| Noninterest-bearing deposits | 28,556,000 | 28,046,000 | 28,437,000 | 36,833,000 |
| Equity capital | 35,661,000 | 36,322,000 | 36,687,000 | 35,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,421,000 | 6,939,000 | 10,343,000 | 13,807,000 |
| Interest expense | 390,000 | 775,000 | 1,131,000 | 1,452,000 |
| Net interest income | 3,031,000 | 6,164,000 | 9,212,000 | 12,355,000 |
| Noninterest income | 805,000 | 1,970,000 | 2,830,000 | 3,374,000 |
| Noninterest expense | 2,781,000 | 5,607,000 | 8,712,000 | 12,617,000 |
| Provision for loan losses | 0 | 83,000 | 83,000 | 83,000 |
| Pretax income | 1,055,000 | 2,444,000 | 3,255,000 | 3,037,000 |
| Income tax | 367,000 | 837,000 | 1,108,000 | 1,005,000 |
| Net income | 688,000 | 1,607,000 | 2,147,000 | 2,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,956,000 | 33,740,000 | 34,077,000 | 32,813,000 |
| Total capital | 36,226,000 | 37,045,000 | 37,426,000 | 36,166,000 |
| Risk-weighted assets | 289,689,000 | 296,890,000 | 289,142,000 | 290,874,000 |